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Dixon sits at the edge of the Sacramento Valley — farming country, small business territory, and a corridor for independent contractors.
Self-employed borrowers here rarely show income that matches what they actually earn. Bank statement loans fix that problem.
620+
Min Credit Score
12–24 Months
Bank Statements Required
Self-Employed
Employment Type
~50% of Deposits
Business Stmt Factor
Bank Statement Loans in Dixon
You'll need 12 to 24 months of personal or business bank statements. Lenders average your monthly deposits to calculate qualifying income.
Most lenders want a 620 credit score minimum. Stronger scores open better rates. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect bank statement loans eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits at the edge of the Sacramento Valley — farming country, small business territory, and a corridor for independent contractors.
Self-employed borrowers here rarely show income that matches what they actually earn. Bank statement loans fix that problem.
You'll need 12 to 24 months of personal or business bank statements. Lenders average your monthly deposits to calculate qualifying income.
Bank statement loans are non-QM products. Your local bank almost certainly doesn't offer them. You need a broker with wholesale non-QM access.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in bank statement programs with varying deposit calculation methods.
The biggest trap: business statement loans apply an expense factor. A lender might count only 50% of your deposits as income.
Personal statements usually count 100% of deposits. Choosing the right account type to document can flip a denial into an approval.
A 1099 loan uses your contractor earnings forms instead of bank statements. If you get 1099s, that may be a cleaner path.
Profit & Loss loans let your CPA document income directly. For borrowers with organized books, P&L loans can offer more flexibility.
Dixon has a heavy presence of agricultural operators, truckers, and tradespeople. These are exactly the borrowers bank statement loans serve.
Solano County properties are priced well below the Bay Area. That means lower loan amounts — and easier debt-to-income ratios to hit.
Yes, but most lenders apply an expense factor — often 50%. Personal statements typically count 100% of deposits.
Most lenders require 2 years of self-employment. Some non-QM lenders allow 1 year with strong compensating factors.
Lenders average your monthly deposits over 12 or 24 months. That monthly average becomes your qualifying income figure.
Yes, typically. Non-QM loans carry a rate premium over conventional. Rates vary by borrower profile and market conditions.
Yes. Bank statement loans work for purchases and refinances. Solano County properties are a practical fit for this program.
Most lenders start at 620. Higher scores — 700 and above — get meaningfully better pricing on non-QM products.